Where to send your Old Navy credit card payment
Old Navy's credit card is issued by Barclays Bank Delaware, so payments go to Barclays, not to Old Navy directly. You can pay online through your Barclays account, by phone, by mail, or in person at an Old Navy store. The method you choose affects how quickly the payment posts and what information you need on hand.
Barclays processes payments for several retail cards beyond Old Navy, including Gap Inc. cards for Gap, Banana Republic, and Factory Store. The payment systems are the same across all of them, but your account number and routing information are specific to your Old Navy card.
Key Takeaways
- Old Navy credit card payments are processed by Barclays Bank Delaware, and you can pay online, by phone, by mail, or at an Old Navy store location.
- Online payments through your Barclays account typically post within one business day, while mail payments take seven to ten business days depending on when they arrive.
- You will need your 16-digit card number and the payment amount ready before you start, whether you pay online or by phone.
- Late fees explore if your payment arrives after the due date shown on your statement, even if you mailed it on time.
Paying online through Barclays
The fastest way to pay is through the Barclays website or mobile app. Go to www.barclaysus.com, select "Manage Your Card," and log in with your username and password. If you do not have an online account yet, you can create one using your card number and the last four digits of your Social Security number.
Once logged in, select your Old Navy card from the list of accounts and choose "Make a Payment." You can pay the full balance, the minimum amount, or a custom amount. Barclays will ask whether you want to pay from a bank account (which takes one business day) or use a debit card (which posts when ready but may carry a fee). Payments made before 8 p.m. Eastern Time on a business day usually post the next day.
If you use the Barclays mobile app, the steps are identical. The app is available on iOS and Android and shows your current balance, due date, and recent transactions in the same place you make payments.
Paying by phone with a Barclays representative
Call 1-866-408-4134 to reach Barclays customer service and make a payment over the phone. Have your card number, the amount you want to pay, and your bank account information ready. A representative will confirm the payment amount and the date it will post, then process the transaction.
Phone payments are processed the same way as online payments — they post within one business day if you pay from a bank account. Barclays does not charge a fee for phone payments. The line is open seven days a week, 8 a.m. to 10 p.m. Eastern Time.
Paying by mail to Barclays
If you prefer to mail a check or money order, the address is on your monthly statement under "Payment Address." The standard mailing address for Old Navy credit card payments is:
Barclays Old Navy Credit Card P.O. Box 15298 Wilmington, DE 19850-5298
Write your 16-digit card number on the check or money order. Mail payments typically take seven to ten business days to arrive and post, depending on mail delivery time and Barclays' processing queue. Your due date does not change if you mail early — Barclays marks the payment date as the day it receives the envelope, not the day you send it. If your due date is approaching, mailing is the slowest option.
Do not send cash by mail. Barclays will not process it, and you will lose the money if it is lost in transit.
Paying in person at Old Navy stores
You can walk into any Old Navy location and pay your credit card balance at the register. Tell the cashier you want to make a credit card payment, provide your card, and hand over cash or a debit card. The store will print a receipt showing the amount paid and the date.
In-store payments post to your Barclays account within two to three business days. This method is useful if you have cash on hand and want to avoid mailing or setting up online access, but it is slower than paying online or by phone. Not all Old Navy locations may offer this service, so call ahead if you are unsure.
What happens if your payment is late
Your due date appears on your monthly statement and in your online Barclays account. If your payment does not post by that date, Barclays charges a late fee — typically $25 to $35 depending on your account history. A late payment also reports to credit bureaus and can lower your credit score.
If you are mailing a payment and the due date is within a week, use online or phone payment instead. The Postal Service does not may provide delivery dates, and Barclays will not waive a late fee because your check was delayed in the mail. If you miss a due date by accident, contact Barclays within 30 days to ask whether they will reverse the late fee as a one-time courtesy — some representatives will, depending on your account history.
Setting up automatic payments
You can set up automatic payments through your Barclays online account to avoid missing due dates. Log in, go to "Manage Your Card," and select "Autopay." Choose whether you want to pay the full balance, the minimum payment, or a fixed amount each month, and pick the date the payment should post.
Automatic payments come from a bank account you link to Barclays and post on the schedule you set. You can change or cancel autopay anytime through your account. This method is useful if you carry a balance and want to may support the minimum payment posts on time, or if you want to pay the full balance automatically each month to avoid interest charges.
Frequently Asked Questions
Can I pay my Old Navy credit card at an Old Navy store with a different payment method?
Most Old Navy locations accept cash or debit cards at the register for credit card payments. Some stores may have restrictions, so call ahead if you want to use a specific payment method. You cannot pay with another credit card.
What is the mailing address if my statement shows a different address?
Always use the payment address printed on your current statement — Barclays may update it periodically. If you cannot find it on your statement, log into your Barclays account online and look under "Payment Address" or call customer service at 1-866-408-4134 to confirm.
How long does it take for an online payment to show up?
Online payments from a bank account post within one business day. Debit card payments post when ready but may carry a small fee. Weekend and holiday payments may take longer to process.
What if I pay more than my balance?
Barclays will hold the overpayment as a credit on your account. You can use it toward future purchases, request a refund by mail, or call customer service to have the excess applied to another Barclays card you own.
Can I set up a payment plan if I cannot pay the full balance?
Barclays does not offer formal payment plans through the Old Navy card. You can pay the minimum amount each month to avoid late fees, but you will be charged interest on the remaining balance. Contact Barclays if you are having trouble making payments — they may discuss hardship options depending on your situation.